Health insurance premiums 2027 in Luzein (GR)For a child aged 0 to 18 without accident cover
From 57.05 to 156.45 CHF a month depending on the deductible and the model
117 offers from 24 health insurers.
| # | Insurer | Model | Deductible | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | |||
| 1 |  Agrisano | AGRIsmart | 85.65 | — | 76.05 | 71.35 | 66.55 | 61.75 | 57.05 |
| 2 | Agrisano | AGRIcontact | 90.95 | — | 80.75 | 75.75 | 70.65 | 65.55 | 60.55 |
| 3 | Agrisano | AGRIeco | 91.45 | — | 81.25 | 76.15 | 71.15 | 65.95 | 60.85 |
| 4 |  Assura | MediTel | 91.85 | 86.45 | 81.05 | 75.55 | 70.15 | 64.75 | 59.25 |
| 5 |  KPT | KPTwin.doc - GP (family doctor) | 92.55 | — | 83.95 | — | 75.45 | — | 66.75 |
| 6 | Assura | QualiMed | 92.95 | 87.55 | 82.15 | 76.65 | 71.25 | 65.85 | 60.35 |
| 7 | Assura | PharMed | 92.95 | 87.55 | 82.15 | 76.65 | 71.25 | 65.85 | 60.35 |
| 8 |  vita surselva | Sparmed | 93.45 | 88.55 | 82.65 | 76.75 | 70.90 | 65.00 | 59.05 |
| 9 |  Helsana | Helsana BeneFit PLUS General Practitioner R1 | 93.65 | — | — | — | — | 66.55 | — |
| 10 | Helsana | Helsana BeneFit PLUS Telemed | 93.65 | — | — | — | — | 66.55 | — |
| 11 | KPT | KPTwin.smart - GP with app | 93.75 | — | 85.05 | — | 76.45 | — | 67.65 |
| 12 | Assura | Family doctor | 93.95 | 88.55 | 83.15 | 77.65 | 72.35 | 66.95 | 61.45 |
| 13 | Helsana | Helsana BeneFit PLUS General Practitioner R2 | 94.85 | — | — | — | — | 67.75 | — |
| 14 | Helsana | Helsana BeneFit PLUS Flexmed | 95.95 | — | — | — | — | 68.85 | — |
| 15 | Helsana | Helsana BeneFit PLUS General Practitioner R3 | 97.05 | — | — | — | — | 69.95 | — |
| See all | See all | See all | See all | See all | See all | See all | |||
In 2027, for a child aged 0 to 18 in Luzein, without accident cover, the cheapest health insurance premium is:
- 85.65 CHF a month with a 0 CHF deductible (Agrisano, AGRIsmart)
- 57.05 CHF a month with a 600 CHF deductible (Agrisano, AGRIsmart)
Last modified:
Frequently asked questions
Which health insurance is the cheapest in Luzein for a child aged 0 to 18 with a deductible of 0 CHF, without accident cover?
In 2027, without accident cover, the cheapest offer in Luzein is Agrisano (AGRIsmart) at 85.65 CHF a month. The cheapest standard model (free choice of doctor) is vita surselva (Standard model) at 98.65 CHF a month.
How much does health insurance cost in Luzein in 2027 for a child aged 0 to 18?
For a child aged 0 to 18 with a deductible of 0 CHF and without accident cover, monthly premiums run from 85.65 CHF (Agrisano, AGRIsmart) to 156.45 CHF (Groupe Mutuel – Avenir, Standard model): 117 offers from 24 health insurers. Average premium estimated by the FOPH for this premium region and age group, all models and all deductibles, weighted by insured numbers, before redistribution: 106.05 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 0 CHF or 600 CHF better in Luzein for a child aged 0 to 18 without accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 85.65 CHF a month with the 0 CHF deductible to 57.05 CHF with the 600 CHF deductible: 28.60 CHF less a month, 343.20 CHF a year. The 600 CHF deductible stays worthwhile up to around 381 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.
Which model is the cheapest in Luzein for a child aged 0 to 18: standard, family doctor / HMO, flexible, telemedicine or pharmacy?
For a child aged 0 to 18 with a deductible of 0 CHF and without accident cover, the cheapest premium per model is: standard model 98.65 CHF (vita surselva), family doctor / HMO 91.45 CHF (Agrisano), flexible model 92.95 CHF (Assura), telemedicine 85.65 CHF (Agrisano).
Does a second or third child pay less in Luzein?
A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 15 of the 24 insurers present in Luzein file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and without accident cover:
| Insurer | Model | 1st child | Reduced premium |
|---|---|---|---|
| Agrisano | AGRIsmart | 85.65 CHF | 36.35 CHF from the 3rd child |
| Visana | Managed Care | 108.05 CHF | 42.45 CHF from the 3rd child |
| sana24 | Managed Care | 122.75 CHF | 44.55 CHF from the 3rd child |
| SWICA | Favorit Multichoice | 108.65 CHF | 45.25 CHF from the 3rd child |
| Galenos | Managed Care | 120.45 CHF | 45.55 CHF from the 3rd child |
| CONCORDIA | HMO | 100.15 CHF | 47.45 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 99.65 CHF | 47.45 CHF from the 3rd child |
| Aquilana | SMARTMED | 101.75 CHF | 48.55 CHF from the 3rd child |
| rhenusana | sanmed24 | 111.25 CHF | 53.25 CHF from the 3rd child |
| Groupe Mutuel – Philos | OptiMed (Healthcare network) | 117.15 CHF | 86.65 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed (Healthcare network) | 117.75 CHF | 87.15 CHF from the 5th child |
| Assura | MediTel | 91.85 CHF | 90.35 CHF from the 4th child, 88.85 CHF from the 5th child |
| EGK | EGK-TelCare | 104.15 CHF | 94.25 CHF from the 3rd child |
| SLKK | SmartMed | 112.25 CHF | 100.55 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed (Healthcare network) | 139.55 CHF | 103.45 CHF from the 5th child |
The others file none. Each insurer sets the conditions of this discount, usually the whole family insured with it.
Why is the FOPH-approved premium higher than the price shown?
The large amount is the FOPH-approved premium — the same one as on priminfo.admin.ch, shown under each price — less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2027 every insured person in Switzerland receives 57.00 CHF, which their insurer deducts from the premium invoices: 4.75 CHF a month, the same amount for everyone, whatever the insurer, the model or the deductible. The ranking is therefore unchanged. This amount is not necessarily your final invoice: your canton’s individual premium reduction or a discount for annual payment are added where they apply. For example, the approved premium of 90.40 CHF at Agrisano (AGRIsmart) gives 85.65 CHF after redistribution.
Until when can I change health insurer for 2027?
Your cancellation must reach your current insurer by 30 November 2026 at the latest; the change takes effect on 1 January 2027. The premiums on this page are those approved by the FOPH for 2027.
Premium source: Federal Office of Public Health (FOPH). This OneDoc service is not an official Confederation website. Free, no sign-up and no payment from health insurers.